The 10 American Cities With the Most Retirees

If you'd like to live out your retirement in a location with lots of other senior citizens, there are a bunch of upsides you'll likely enjoy. For starters, you may find many more potential new friends there -- ones who aren't busy working and raising a family. There may also be ample healthcare facilities in the area -- ideally high-quality ones. That's important, as older citizens often need more attention from clinical providers. There are also likely to be lots of activities to enjoy, such as golf, concerts, or games. Senior neighborhoods tend to be quiet as well.

Here are the 10 cities with the highest proportion of people aged 60 and older, according to a 2018 report from the U.S. Census Bureau. As you might have guessed, most are in Florida -- but a few are not.

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When President Trump held a rally in The Villages, Florida, in the last weeks of the presidential campaign, he knew what he was doing. He was eager to court the votes of older Floridians, and The Villages is chock-full of them -- about 65.9%, to be precise. It's located in central Florida, about 60 miles north of Orlando and 60 miles south of Gainesville. The town features a master planned community, made up of various "neighborhoods" with different characteristics and housing price ranges. Roughly 85,000 older Americans call it home. The typical home value there was recently about $301,778, per Zillow.

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With nearly half its population aged 60 or older -- nearly 92,000, as of 2018 -- Punta Gorda is another retiree-rich town. It's on Florida's Gulf Coast, between Port Charlotte and Fort Myers. It boasts a quaint historic district, lots of shopping, waterfront parks, and even a jazz festival. Many of its communities are designated as for those 55 and older. The typical home value there was recently about $264,207, per Zillow.

Also on Florida's Gulf Coast is Homosassa Springs, a great place to go if you'd like to see manatees in their natural habitat. It boasts lots of boating and fishing activities, as well as a little less tourism than you'll find in some other retiree-laden towns. It's much more affordable than most other cities on this list, with a typical home value there recently at $147,098, per Zillow.

You'll find Sebring in the south-central region of Florida, where it's home to the Sebring International Raceway, along with a historic downtown district and a nearby state park. Hunting and fishing enthusiasts may enjoy retiring in the Sebring area, and they'll enjoy the low home values, too -- the typical home value there was recently about $152,557, per Zillow. The town is served by Amtrak, offering easy rail travel up and down the East Coast.

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Sebastian, Florida, is on the Atlantic Ocean, between Palm Bay and Vero Beach. It has been a quiet area, but it has been gaining attention -- and residents -- in recent years. Its waterfront offers not only restaurants and shops but full resort amenities. Wildlife enthusiasts will enjoy spotting everything from pelicans to turtles. The typical home value there was recently about $239,225, per Zillow.

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Prescott is located in central Arizona, roughly two hours north of Phoenix. It's a great region for hiking and camping, and Prescott's busy downtown is known for its bars and live music offerings. Prescott is also home to Yavapai College, where seniors can take courses or attend talks and activities, and to the "World's Oldest Rodeo." The typical home value there was recently about $403,400, per Zillow.

One of the few non-Florida towns on the list, Barnstable is located on Cape Cod in Massachusetts. Thus, it offers plenty of nearby beaches, along with bustling touristy towns, in the warm months of the year. It's a pricey area, though, with the typical home value there recently about $438,083, per Zillow. Available activities include golf, boating, racquet sports, whale watching cruises, hiking, and enjoying lovely vistas.

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Naples is on the southern part of the Gulf Coast of Florida, just north of the Big Cypress National Preserve and Everglades National Park. As with most of the towns on this list, it offers lots of beaches, fishing, outdoor activities, and natural beauty. Naples has been included on various best-places-to-retire lists, though it isn't cheap to live there: The typical home value there was recently about $342,652, per Zillow.

On the western edge of Arizona, bordering California and near the Nevada border, Lake Havasu City is only a drive of between two and five hours from Phoenix, Las Vegas, Los Angeles, and San Diego. The region offers lots of sunshine and outdoor activities, such as golf, fishing, boating, hiking, and more. There are some colleges in town, too, where seniors can take courses or attend events. The typical home value there was recently about $314,877, per Zillow.

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Do a lot of research before moving to a new place for your retirement, because while many great retirement destinations have many appealing factors, there are likely some downsides worth considering as well. Some, for example, might sport high taxes, or they may be fairly far from any major airport, making it hard to get away. If you'll be living far from your friends and relatives, consider whether you might feel isolated or lonely or simply in need of assistance as you grow older. It can be smart to live in an area of interest for at least a few weeks or months before deciding to move there.

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